Weddings are magical. You’re getting married to the love of your life, and you’ll remember your special day forever. But let’s face it, they’re expensive. Whether you’re planning something small and sweet with just a few guests or going all out with a destination celebration, the costs can add up fast. In Canada, the average wedding costs about $30,000. 

The problem? Most wedding vendors don’t accept credit cards, meaning you’re stuck using debit or e-Transfer, and missing out on the travel points or cashback you could be earning.  

That’s where our One-Time Payment (OTP) feature comes in.

Common Wedding Expenses You Can Put on a Credit Card with Chexy

Through Chexy’s one-time payment (OTP) feature, you can pay wedding vendors by e-Transfer while still using your credit card and earning those valuable travel points or cashback. Here are some examples of common wedding expenses you can pay with your credit card using Chexy: 

• Venue deposits and final payments

• Catering services

• Wedding planners or day-of coordinators

• DJs, bands, and other entertainers

• Florists

• Dress/tuxedo shops

• Makeup artists and hair stylists

• Photographers and videographers

• Officiants

If your vendor accepts e-Transfer, you can use Chexy to pay them and still earn rewards on your credit card! 

Why Pay for Wedding Expenses with a Credit Card?

Chexy’s OTP feature lets you use your credit card to pay someone by e-Transfer, even if they don’t accept credit card payments. Paying with a credit card (responsibly) can be a smart move, especially when you’re spending thousands of dollars. Here’s why:

Earn Credit Card Rewards

Earn travel points, cashback, or rewards on one of life’s biggest expenses. For example, the Scotia Momentum Visa Infinite card earns you 4% cash back on all payments with Chexy. Or, use the American Express Aeroplan Reserve to earn 1.25x Aeroplan points on every dollar, which you can use for your honeymoon or a future vacation. 

Take Advantage of Welcome Bonuses

Many credit cards offer generous welcome bonuses (think $300+ in cashback or 50,000+ points) when you spend a certain amount in the first few months. Using your card for wedding expenses can help you hit that spending threshold quickly, unlocking a future vacation or extra cash in your hand faster than you know it. 

If you’re being strategic, you and your partner could each apply for different cards, doubling your rewards. 

Access Built-In Protections and Insurance

Most premium credit cards come with perks that can help protect your purchases. This can include:

• Travel insurance, including trip cancellation or interruption 

• Purchase protection 

• Extended warranty coverage

• Fraud protection 

Better Budget Tracking

Rather than looking at e-Transfers, cash, and debit transactions, using a credit card to pay all your vendors gives you a more centralized view of your spending, so you can see exactly where your money is going and stay on top of your expenses. 

More Flexibility with Cash Flow

When used responsibly, your credit card provides some breathing room (usually up to 55 days) between when you make a purchase and when you need to pay it off. This lets you manage the timing of your payments without dipping into your savings or going into overdraft. Just make sure you pay off your balance in full by the due date to avoid interest charges. 

How to Pay a Wedding Vendor with Chexy

To make a one-time payment to your vendors, all you need to do is: 

1. Log into your account or sign up for Chexy. 

2. Select “Set up a one-time payment.”

3. Select the payment category, and enter the vendor’s e-Transfer details. 

4. Add your credit card information or choose the correct one on file. 

5. We send the payment directly by e-Transfer. 

6. You earn points or cashback, just like any other credit transaction. 

There’s no need for the vendor to sign up, meaning no awkward conversations. 

Note that Chexy charges a 1.75% fee on all transactions, so ensure you use a credit card that earns more points or cash back than this. 

Real-Life Example: How One Couple Earned Cashback on Their Wedding

Let’s take a look at how this works in action. 

Emma and Noah were planning their summer wedding in Montreal. They used vendors who only accepted e-Transfer, but they wanted to earn cashback using their Scotia Momentum Visa Infinite card, which offers 4% cash back on all payments with Chexy. 

They used Chexy’s OTP feature to pay their vendors with e-Transfer and use their credit card. Here’s what they paid for using Chexy and how much cashback they earned:

• Venue deposit and balance: $5,000

• Catering: $4,000

• Photographer and videographer: $2,500

• DJ and entertainment: $1,500

• Florist and decor: $2,000

• Makeup and hair: $800

• Wedding planner: $2,200

• Dress and suit rental: $1,400

• Officiant: $600

Total paid = $20,000

Now let’s factor in Chexy’s 1.75% fee on $20,000:

• Chexy fee: $20,000 x 1.75% = $350

• Cashback earned: $800

• Net cashback after fees: $800 - $350 = $450

Even after the fee, they still came away with $450 in net cashback, which they used for their wedding night hotel stay and a fancy dinner on their honeymoon. 

Turn Wedding Expenses Into Travel Rewards with Chexy

Weddings are costly, so you might as well earn something back. With our one-time payment feature, you can turn your wedding expenses into flights, hotel stays, or cash back, without asking your vendors to accept credit cards. 

It’s a win-win: they get paid, you get rewarded. 

Get started with Chexy today.